Cap 1 CLI Fico Score

[Anonymous]

Hi guys - I've been lurking on this site for many months, it has been so helpful in helping me to work on repairing my credit. 

I have a weird questions.  I applied for a Cap 1 CLI and I was denied by Cap 1 because they said my credit score was too low.  It says it was 479 and that they used Equifax.  Well, I monitor my scored thru this site - and my Equifax score is 619.  How could there be such a difference?  Do i need to order a specific score from Equifax?

[redbeard]

Its likely they used a previous pull they had on file, rather than a new updated report.

When you get the letter, it should be pretty clear about the date of the report they used to get the score.

Dan

[Anonymous]

OP stated he applied and I am sure took 3 HP's....so I can't imagine it is an old pull. Most likely, Cap1 does not use FICO 08 and uses another model, I think they use FICO 04.
HTH.

[redbeard]

Says he applied for a CLI.  

I've had the same thing happen to me (different card) where they used a soft pull from several months previous that occured during a dip in my score.  Sounded familiar to what he had going on.

Dan

[ddemari]

like someone else mentioned, it is an older score from the last soft pull and they are using FICO 04 EQUIFAX. 

[Anonymous]

That's exactly what happened.  They used a score from early January which was much lower.  i don't get why they wouldn't use a new one.  I guess I just thought they would run the score on their own. 

[indiolatino61]

Welcome to myFICO!